From Debt To Financial Prosperity

In this consumer based society we live in we are spoiled for choice in terms of the consumables we are offered. Regardless if we actually need these products or not billions is spent in the media to convince us that we do. The vast majority of the population does not live within their means. The increasing availability of credit is one factor that is blamed for the increasing amount of personal debt in western society.

On the surface it seems that the availability of credit has plunged many into huge amounts of debt that they will spend the rest of their life paying off but this same weapon called credit it used by savvy investors to create a life of luxury and prosperity in which they can afford the finer things in life.

So what is the major difference in how successful investors and the average consumer use credit?

Well the major difference is smart investors use credit to leverage their investment exposure. This simply means that they borrow to invest. Smart investors do not take on credit if in the long run it will not lead to an increase in income and a positive cash flow. The average consumer on the other hand spends thousands on new cars that depreciate rapidly, holidays they can not afford, large plasma TV's, designer clothes, and homes they can not afford to live in. Ironically some smart investors do like the life of luxury but they almost always certainly live within their means.

The message is quite simple if you must live a life of luxury never borrow money to do so involuntarily you will end up spending years to pay off huge debts. These crippling debts often lead to stress, depression and in allot of cases divorce. Millions of people worldwide live in the bondage of debilitating debts and the only reprieve they are offered is more debt over a longer time period to ease their current debt repayments aka debt consolidation. Extreme caution is advised if you choose debt consolidation as an exit from a life of debt.

So how can one make the transition from debt to prosperity

1: Evaluate your Cash Flow
Determine how much money you have coming in each month and how much money is being paid out in debts, expenses and other liabilities. Start with your expenses and get rid of monthly outgoings that are not necessary. This is foregoing temporarily certain amenities for a permanent solution to debt. Club memberships and other things that are not necessary can be canceled. Once you have trimmed down your monthly outgoings by 100-200 pounds / dollars save the extra money or spend it on repaying debts off sooner.

2: Avoid paying Interest only
Interest only loans may seem cheap in terms of monthly repayments but in the long term the overall amount you repay can sometimes be as much as 50-150% of the original loan.
3: Live within your means
This is quite simple forget what you have been brainwashed to believe, you do not have to drive a new car or have the finer things in life at the expense of personal debt. Buy only what you can afford to pay for in cash. By forming the habit of only paying cash you are forced to purchase only the things that you can afford.

4: Pay of Loans early
Paying debts of quickly means you end up paying less in the long run. Think about it why are banks so happy for you to pay less monthly?

5: Consult a financial planner
Sit down with a financial planner and draw a road map to get you out of debt.

Taking any of the above steps will free up a few extra hundreds a month. Now that we have a bit of free money you must start to invest if you do not want to retire poor. Remember regardless of what you have stored for your retirement cash based assets have continued to devalue over the last hundred years and even further back. This simply means 1 million 10 years ago had more buying power that it does today and its only reasonable to assume 1 million today will not have the same buying power in the next 10 years. Drastic steps must be taken to secure your future otherwise you may retire with the nasty shock that you simply can not afford to retire.

The key is investing your money (yours and the banks) and getting it to work as hard as possible. Once your outgoings are reduced and you live within your means you should now be looking to supplement your income with investments and / or small business. This time you use your old adversary called credit and turn him into an ally.

By using financial leverage you are simply speeding up the transition.
But before you even think of investing a dime invest in your financial education by buying books on success, prosperity, financial planning and budgeting. Once you have gained better insight into the financial world seek financial advice.

Some of the things you can invest in include buy to let properties, franchises, small home based business just to name a few. But most new investors start of with real estate. But be smart real estate is all about timing and pricing so if you do start by acquiring real estate make sure you no what your doing and the timing is right.

In summary cut your outgoings, pay loans of early, live within your means and used credit as a tool to increase your investment income and not for personal extravagance.

Good luck and hopefully you join me and make that transition form debt to financial prosperity.

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Get Rich With Forex – 3 Steps Towards Your First $1,000 Trading Currency With Forex

If you’re reading this article, then you already know how difficult and costly Forex currency trading can be.

In fact, most people will tell you that comparing Forex to the stock market is like comparing the complex Japanese number puzzle, Sudoku, to a children’s coloring book. However, I’m here to tell you that this is NOT the way it is… At least, if you know what you’re doing.

Believe it or not, the Forex market can be very simple and easy to manipulate. As you continue reading, I’ll be outlining the basic process you’ll need to take to start earning money with Forex.

Okay? Alright!

The Obvious First Step You Need to Take Before You Make a Dime

First things first, you’re obviously going to need to find a broker to open a trader’s account with.

That’s not so hard, right? First step done! All you’ll really need to do is fill out some paper work…Don’t be intimidated!

Remember, your broker is there to help you, and you’re paying them commissions to do so, don’t be afraid to use what you pay for! Most brokers will be more than eager to help you fill out the appropriate forms with the appropriate information. Next your application will (hopefully) be approved, and THEN you can start funding your Forex account.

What You’ll Want to Know From Your Broker BEFORE You Start Trading

You’ll want to talk to your broker about what to do with the money you want to invest in currency.

Decide on a Leverage Ratio – For example, before you do anything else you’ll probably want to decide on a leverage ratio for your broker to trade. Basically, leverage is a ratio used to measure the level of risk/reward in a trade. It’s sort of like betting…There’s 10:1, 20:1, 50:1 and even 100:1 leverage ratios that you can use in your trades.

Just remember that a higher leverage means a higher potential for loss…But it can also mean you make more money! If you’ve got enough money that you can be risky, then a high leverage is usually recommended.

Pick Currency Pairs to Focus On – Alright, now that you understand leverage and what it means for you, now we can talk about currency pairs! This is the fun part! Basically, all trades are formatted and identified the same way…Using currency pairs.

For example, in the currency pair EUR/USD, the EUR would be the BASE currency, where as the USD would be the COUNTER currency. Remember that, order is very important. In the above example, you would be measuring the European Euro in terms of US Dollars. If you were to make this trade, you would want the Euro to have a HIGHER monetary value than the US dollar.

Hopefully that makes sense.

You can pair any currency, just remember that the Base comes first, and the Counter comes second. The order is VERY important and if you mix them up it will cost you money! You won’t be trading what you think you are!

Congratulations! You now have a basic background on Forex that’s enough to get you started…Although I still encourage you to try and learn more if you can.

Warning! Do NOT Buy a Forex Trade Bot!

If you’re starting out trading Forex, then almost everyone and anyone that you talk to online will tell you to go out and buy this Forex bot, or that Forex bot…But I’m here to tell you that you’re wasting your time and money with such systems.

Why?

Because all currently ‘Forex Trade Bots’ are based on PAST trades. That means that they simply can NOT remain accurate in the long haul.

There are only 2 or 3 TOTAL systems on the market today that I would ever recommend anyone spend money on, and I’ll tell you about those now…But you have to promise to do your due diligence before you spend any money!

If you really want to get into Forex, then I really recommend that you NOT buy any of the conventional “back tested” Forex bots. They’re simply not accurate or consistent.

Is It Still Possible to Automate REAL Forex Growth?

Short answer, yes! It is! But you have to know where to go and what to do once you get there. Fortunately, I’m just the guy to let you in on the secret to automation of consistent growth.

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Fundamental Information Regarding Colon and Rectal Cancer

Colon is the division or portion of the digestive system wherein the waste matter is hoarded. The rectum is the last part of the colon near the anus. Jointly, they form the long, muscular tube which is called the large bowel or large intestine. Cancers of the rectum and also the colon are growths coming from the internal wall of the big intestine. Benign tumors arising in the big intestine are known as polyps. Malignant tumors of the big intestine are identified as cancers.

Benign nodules do not attack nearby tissue or scatter to some parts of the human body. Benign growths can be removed easily during colonoscopy and they are not critical. If benign growths are not detached from the big intestine, they will become cancerous. Majority of the cancers in the big intestine are supposed to arise from polyps. Cancer of the rectum and also the colon can attack and injure the nearby organs as well as tissues. Cancer cells will also scatter and break away to other portions of the human body, like the lings and liver wherein the new tumors are formed. The scatter of the colon tumor to remote organs is known as metastasis. After metastasis has happened in colorectal tumor, a comprehensive treatment of the malignancy is doubtful.

Internationally, malignant neoplasm of the rectum and colon is the 3rd primary cause of tumor in males and the 4th primary cause of tumors in females. The incidence of colorectal tumor varies worldwide. In countries wherein the people have taken up western diets, the occurrence of colorectal tumor is increasing.

Factors that add to the person’s danger of colorectal tumor include elevated fat intake, family record of colorectal polyps and cancer, the incidence of polyps in the big intestine, and constant ulcerative colitis.

Symptoms of colon tumors are nonspecific and numerous. They include weakness, fatigue, briefness of breath, narrow stools, diarrhea or constipation, change in bowel practice, red or dark blood in the feces, weight loss, cramps, abdominal pain, or bloating. Other situations like spastic colon, peptic ulcer, and ulcerative colitis are some symptoms of colorectal cancer.

Symptoms for colon cancer differ according to the location of the tumor in the big intestine. The right colon is large and cancers here can grow into big sizes before they cause abdominal signs. Usually, right-sided tumors can cause anemia because of the gradual blood loss over a long duration of time. Anemia causes weakness, fatigue and shortness of breath.

Left colon is slightly narrower compared to the right colon. Hence, tumors in the left colon possibly cause the complete or partial obstruction of the bowel. Cancers which cause partial obstruction of the bowel may cause signs of constipation, diarrhea, narrowed stool, cramps, abdominal pains and bloating. Dark red blood in the stool can also be indicative of a growth adjacent to the end of the rectum and left colon.

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Is It Possible To Learn How To Earn Money Without Investment?

Learning how to earn money without investment in the online world is a tough thing to do. I know, I've been at it for 3 years and real help and advice is hard to come by. I only really began to find any real success over the last 6-8 months and guess what; it does take a little investment. But beware! The majority of sites that you will visit that claim to help you do these are usually trying to sell you something or get you on their mailing list so they can sell to you at a later date.

There is nothing wrong with this to my mind however, as long as they are pointing you towards products that will actually help you. All too often however they will sell you a product that is sub standard or only really benefits them in some way, usually financially.

I remember about 2 years ago I bought a 'turnkey' website, they claimed that I would get a blog, they would provide all the content and help me to sell thousands of dollars worth of ClickBank products. I excitedly logged into my new WordPress site that they had created for me, only to find that I could not change a bloody thing to the way I wanted it. They had links back to their main site on every page to help their rankings and the support was pretty much useless.

On top of this, I had no clue how to rank a site in Google below on page optimization and maybe doing some blog commentary. As you may have guessed, they did not tell you how to rank well either, even though they obviously knew how to rank well themselves.

I asked for my money back of course, and got most of it. (Apart from about $ 30 that I was stupid enough to part with on a useless up sell from one of their JV partners) A small loss financially but but I look at it as a lesson that I paid for. I'm just happy that I knew enough about WordPress at that time to see I was getting swindled. There are probably hundreds of who were not lucky enough to be armed with that info however and probably spent months trying to work out why they were not selling anything.

The point is this: Many will claim to be able to teach you how to earn money without investment, just to get your email address from you so that they can keep recommending products which you have to buy.

Your best bet is to find a source of honest information where you are not sold at every 5 minutes by an email auto responder.

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Get Help And Advice Online From Car Loan Articles

Car loan articles can be found online with a specialist motoring website and they hold a vast amount of useful information for those who are looking to finance a new or used car. A good site will offer articles on all aspects of car loans which all go towards you finding the best deal for your particular circumstances as well as offering hints and tips on choosing your new vehicle.

By having this knowledge, it means you can make an educated choice as to the right type of car finance for you.

When it comes to finding a loan there are many types to choose from so getting doing your homework is essential, so take advantage of articles aimed at car loans and you get to the best start possible. Articles are often laid out in specific categories which mean you can instantly find access to the information you are looking for.

Car loan articles will tell you all about the various options when it comes to financing your new or used car. Car loan articles giving information for the standard loan will explain the options you have and how to get the best deal possible on a secured or unsecured loan.

The secured loan means that you take the borrowing over a specific amount of time and then spread the repayments in monthly installments over this period. The beauty of this is that you are able to keep the repayments down to a level you can afford each month. However of course the longer you take the loan over, the more interest you will pay. If you have a less than perfect credit rating then this is usually the best chance of securing a loan for a car, as the car will be taken as security against the borrowing.

If you are considering buying a used car then get as much information as you can by way of car loan articles focusing on used car loans or unsecured borrowing. If you have an excellent credit rating and do not need to borrow a lot then you can get a loan without having to put up anything as security. The unsecured loan will usually come with an interest rate that is higher than that of the secured. However by allowing a specialist website to search within the car finance marketplace you can make great savings.

Any type of loan is confusing when it comes to the technical jargon and interest rates. Car loan articles will take the confusion away for you. They will explain clearly what APR means and the tricks that some lenders play to make you believe you are getting an excellent interest rate. For example, some lenders will quotes an interest rate that is for weekly terms and of course if the individual compares this against a monthly or yearly rate then it can seem extremely low. Taking the time to read through the articles and learning as much as possible about car loan and finance can save you a lot of money and of course, a specialist website will offer these resources for free.

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Role of “Options” in Real Estate Investment

A common question asked by many beginning in the business is; "What really are my options for real estate investment?" Although we do not have the space here to outline all the opportunities here, we can address "options." Options are a little used, but highly effective investment technique in transactions where they can meet the needs of both the buyer (or optionee) and the seller (or optionor). , the legal right to purchase a property at a predetermined price and time. This produces constructive equity in the property for the optionee. As you recall, real estate is a "bundle of rights". These rights can be separated and sold one at a time. Therefore, an owner can sell the right to purchase to another person. By agreeing to an option, a property owner gives the other person the exclusive right to buy the property at the price and terms stated in the option.

The basic concept of options opportunities is that a seller (optionor) can rid himself or herself of the headache of operations, operating liabilities and management activities. The optionee can undertake the unwanted obligations and in so doing can make decisions that will produce greater value in the near future, which in turn will allow the optionee to either sell their position for a profit or exercise the option and simultaneously sell the property to another buyer at a profit.

Typically for an option to be profitable, the optionee must either improve the operation of the property or physically improve the property such that it has a higher market value. Options are not used very often, but are a valid technique for transacting business. Perhaps the reason most optionees enter into this type of relationship is that they can do so for less out-of-pocket cost than making an outright purchase.

In any case, where the needs and wants of both parties are fairly represented and satisfied, profiting from real estate is a powerful way to build equities and wealth quickly. Options, like all techniques, can be used in a small proportion of possible transactions and can produce generous profits. The trick, as always, is to know how and when to use them. Good luck in your career.

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Co-Signing a Loan

When you co-sign any type of loan, you are taking on the risk the lender
would not; ensuring that the person you co-sign for is going to make the
payments. If they do not, you are going to be responsible for the owed debt.

When determining if you should co-sign a loan for someone, you need to consider
the following:

– Will you be able to pay the loan if the borrower goes into default? If
you can not, not only will your credit be adversely affected, you can be sued by
the lending creditor.

– When you co-sign a loan, your chances for obtaining approval for a loan for
your own personal use Declines because of your current obligation. More
specifically, the debt you co-sign for is considered your debt.

– If you secure the loan you co-sign for with some sort of personal
property, ie your home or car, you run the risk of having these items taken
away from you if the loan goes into default and you can not pay.

– If the borrower does not pay their loan, not only will you become
responsible for the debt, you are also going to be responsible for any of the
late fees and collections associated with the over-due debt.

You should also do the following when co-signing a loan:

– Get in touch with the lender and make sure that you will be contacted in
writing as soon as soon as the borrower is late on a payment. This will give you
time to get in touch with the borrower and fix the situation before the account
goes into collections. If the account does enter into collections, you will be
responsible for paying off the entire debt at one time.

– Get a hold of copies of all the stipulations and terms of the loan.

Some More Advice to Follow If You Are Going to Co-Sign a Loan

Prior to co-signaling, you should contact the creditor to see if your can
negotiate your liability if the loan goes into default. More specifically, you
can have your liability changed so that you only are obliged to pay only the
loan balance and not any other late fees. It is always a good idea to get any
final, negotiated Clauses in writing.

What Are the Benefits of Being a Loan Co-signer?

Co-singing a loan can be a good idea if you are certain that the borrower is
going to repay the money. For example, co-signaling makes sense if you are
the parent of a child with no credit, but a steady income, looking to buy a home
for the first time. You will help your child get the mortgage financing them
are looking for, while helping build their credit rating.

It is very common for someone's credit to be adversely affected as a result of
divorce. This will hurt their ability to get approved for loans and credit even
though they have a steady income. Co-singing a small personal loan in this
instance will help them re-establish their credit.

In conclusion …

As mentioned, there are instances when co-signing a loan is harmless.
However, the majority of the time, it is a very risky move. As a matter of fact,
studies have shown that co-signers end up paying the debt of the borrower 80% of
the time. When co-signing any loan for any purpose, friend of family, PROCEED
WITH CAUTION!

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The Fundamentals of IOS and Android Application Testing

Today the reach of customers have broadened from PC’s to mobiles and in lieu of this it makes mobile application testing very essential. iOS and Android apps have paved way for the mobile genre. They have tremendous applications that attract a customer but at the same time while users enjoy the apps, how easy is it to test the iOS and Android apps?

It becomes very challenging for the testers to test iOS and Android apps as the users lay down unique expectations and they have to test in accordance. Challenges in mobile app testing could range from Device Variation to Tools availability to Network Bypass etc. Many third-party applications compatible with advanced mobile phone versions are also unveiled. All these underlined by concern for performance and user acceptance demand foolproof and comprehensive mobile application testing. A thorough understanding of applications put for testing is a perquisite. Check whether it is developed in-house or by third party.

iOS app testing

iOS are operating systems used majorly in mobile technology, such as smart-phones and tablets. They have smooth designs and seem to be very user friendly. iOS app market is a hit in the technology market and is often in the news for good. All the iOS app testers are aware that testing an iOS app is different than testing any other app because it is a closed operating system. iOS testing also intervenes with development which makes it all the more challenging to perform testing. But certainly there are measures that can make iOS testing easier:

  • Consider Fragmentation
  • Be strict for Privacy
  • Opt for Beta-testing

Tools that are best for iOS app testing can be listed as below:

  • Frank
  • iOS UI Automation
  • iOS Driver
  • KIF or Keep It Functional
  • Appium
  • Calabash
  • Monkey Talk

Android app testing

Android application testing is too complicated due to the diversity in devices which is a major challenge of mobile app testing. Here, unlike iOS, the differences in variety of screen sizes, capabilities and limitations are precise because each device is unique to the other. The testers are familiar with the fact that compatibility is a huge constraint because mobile apps can be set up across several devices. One of the easiest ways to make Android app testing light on the brain is to avoid complex structures and segment them into smaller steps.

Try the below tools to enhance your Android app testing

  • Robotium
  • Monkey Talk
  • Selendroid
  • Appium
  • Calabash
  • The UI Automator
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4 Things Contractors Should Know About Contractors Insurance

Any company involved in construction work, building maintenance or installation and repair services is in need of contractors insurance. Contractors will be ill-advised to forego contractor insurance in a climate of high crime statistics, unpredictable weather conditions, negligent workers, faulty equipment, defective substances and a million and one other thing that can go wrong in the contracting business.

There is also an ever-growing propensity to be held responsible and accountable for damages caused to third parties. Think about it this way: Insurance premiums cost a mere fraction of stolen materials, damaged projects or compensating agents or third parties for losses incurred through the negligence of workers or the forces of nature beyond anyone's control. By having the conviction and foresight to take out builders' insurance, contracting businesses are safeguarding themselves against possible losses and lawsuits that could end up by severely crippling the company financially or, in the worst case scenario, even bankrupting it. A contractor's policy actually costs very little in terms of premiums and is worth its weight in gold.

The basics of builder's insurance

1. Builders' Risk Coverage (also known as construction coverage)

Builders' risk insurance indemnifies the contractor for losses or damages to a building while the building is under construction. Insurance usually covers the building for a specific time period and applications only while the building is under construction. This type of insurance typically covers fire damage and vandalism. The policy may also include materials in transit to the building site as well as materials and equipment stored on site. Tools, equipment, vehicles, materials and any other assets used on site may also be covered. For the amount of protection it affords (and the peace of mind that goes with it) builder's risk insurance is reliably inexpensively (as against general liability insurance).

2. Insuring Materials on site and in transit

Given the cost of modern building materials, it is common practice for constructors to insure their materials either on site or while in transit. However, the onus is on builders to make sure that all reasonable precautions are in place to protect materials from theft or storm damage as much as possible. This coverage can also include materials stolen in transit due to the vehicle being hijacked while en route to the building site.

3. The most common insurance claims made by contractors

The most frequent claims made by contractors entail materials theft, damaged materials while in transit, storm damage, or surrounding properties being damaged while construction is in progress.

4. Most expensive Claims

The most costly claims most commonly filed by contractor are usually damages caused by third parties and their properties due to the contractor's "negligence" for example, materials being blown off structures in storms or high winds and landing on nearby cars or buildings. Also damage caused to existing underground pipes or cables. Other high claims are damages caused by fire, rainwater damage to structures, lightning damage or severe storm damage. All these liabilities can be covered by an All Risks contractor's policy.

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Different Methods of Mining Coal

Different methods of coal mining are adapted to dig out the natural coal from the earth. Among them, Surface mining method is applied for producing coal of about nearly 40% in the world. The coal deposits are found on the surface of the earth and make the mining easier for the coal-miners. The various types of coal mining are contour, mountaintop removal and strip mining.

Strip mining is adopted in areas, which has leveled landscape. The surface coal is exposed when the earth covering them is removed in strips. When the whole earth concealing is removed from the surface the coal that lay beneath is exposed. They appear in blocks and are usually extracted either by drilling or blasting. Once the strip is free of coal or goes empty, the strip mining process is continued with the next strip that lay adjacent to the former.

The contour mining is used to remove coal from the layer following the contours found along the ridges of a hill or landscape. The commonly used places for this type of mining are areas with rolling to steep terrain. This method may create landslides and erosion troubles. Using the freshly cut overburden to refill the mined areas rectifies these problems. Strip mining has its own limitations and when the process of strip mining reaches a specific stripping ratio, it may not yield you profit when continued.

Mountaintop removal coal mining can be understood by its name. Removing the mountaintops exposes the coal. This method also involves disposing of mining overburden that is associated with mountaintops removal in nearby valleys. This method is a combination of area and contour strip mining methods. This process creates adverse changes in the topography like creating head of hollow hills and filling valleys with mining wastes.

Latest open cast methods can reveal higher proportion of coal deposit than the underground mining methods.

Deep mining or underground mining is applied to dug out coal that lay underneath the surface of the earth. The primary underground mining ways are Continuous, Longwall, Shortwall, Retreat and Blast Mining.

Longwall mining method is adopted for about 50% of underground mining. This method involves a complex machine with a revolving drum that sways mechanically back and forth across the coal deposit. This method yields high production and ensures safety. This method has sensors that can detect the quantity of remaining coal in the seam and robotic controls contribute to the efficiency of the process.

Continuous mining method is applied for about 45% in underground coal mining. The machine used in this method has a huge revolving steel drum that is facilitated with tungsten carbide teeth to extract the coal from the seam.

Blast mining occupies less than 5% of the whole underground mining in USA. Explosives are used to break the coal seam in this method. The extracted coal is collected and transported to the central area using conveyors or shuttle cars.

Shortwall mining covers 1% and the method is somewhat similar to longwall mining. Retreat mining method employs pillar or coal ribs to support the roof of the mine. This is the most dangerous method as it involves risk of falling roofs that might trap or crush the workers in the mine.

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